PSCR PUBLIC GUIDES
Payment safeguarding explained without shorthand.
Four substantial guides keep institution identity, permission, funds, safeguarding evidence and the return route conceptually separate.
Foundation release
Safeguarding and deposit protection are different questions
Safeguarding concerns how certain customer funds are identified and handled. Deposit protection concerns eligibility under a separate statutory compensation arrangement.
02Relevant funds, segregation and the scope of safeguarding
The phrase “customer funds” can conceal important differences between activities, timing, entities and legal character.
03How to identify the legal entity and permission behind a payment service
A brand, app, agent, merchant and authorised institution can occupy different positions in the same customer journey.
04What to examine when a payment institution fails
Failure turns safeguarding from a policy description into a records, access, communication and return-of-funds question.
These guides provide general public information. They do not provide case-specific legal advice, rank institutions or state that one regime applies universally.